Who wrote this: the team that makes SIMPL, so read it knowing we sell one of the two apps. Every fact about Mint links to where we read it, on 2026-10-19. Where Mint is the better choice, we say so.

Mint vs SIMPL

Bottom line: Mint shut down on March 23, 2024, and its users were moved to Credit Karma, which has no budgets or subscription management. SIMPL is a $199 one-time budgeting app that imports the Mint transactions CSV.

Our read

Mint is gone

Mint is gone, and Credit Karma, where Intuit sent its users, is not a budgeting app. If you saved your Mint transactions CSV before the shutdown, SIMPL can import it.

Can it pay for itself?

SIMPL is $199 once, about $17 a month over its first year. Its Drain Guard reads your expenses (from a linked bank, an imported statement, or ones you type in), finds the charges that repeat, and adds them up by the month. Keep or Cut then walks you through them one at a time. Cancel $17 a month of charges you'd forgotten about and SIMPL has paid for itself inside the first year.

It depends on what you find and what you cancel, so we don't promise a number.

What Mint is

Moot: Mint no longer exists. Intuit's official path for Mint users is Credit Karma, which Engadget's reviewer tested and found 'isn't an exact replacement for Mint'. engadget.com

Price: Shut down on March 23, 2024 (announced October 31, 2023). Credit Karma, its official replacement, is free. wallethub.com

Credit Karma release dated Oct 31, 2023: 'Mint is going away'; 'Credit Karma is thrilled to invite all Minters to continue their financial journey on Credit Karma'; it lists net worth tracking and spending, transaction and cash-flow monitoring. creditkarma.com 'Mint shut down on March 23, 2024 and is no longer available.' Intuit encouraged former Mint users to sign up for Credit Karma, which cannot make a budget or manage subscriptions. wallethub.com

What Credit Karma kept

Credit Karma, where Mint users were sent, keeps net worth tracking and spending, transaction and cash-flow monitoring. creditkarma.com

What Credit Karma doesn't do

Credit Karma, the official replacement, cannot make a budget or manage subscriptions the way Mint did. wallethub.com
After testing it, Engadget's reviewer called Credit Karma a poor Mint replacement. engadget.com
Users who moved could no longer reach their original Mint accounts after the switch; PC Mag (via PCWorld) noted Credit Karma lacks Mint's monthly budgets and category goal tracking. pcworld.com

What SIMPL is

SIMPL is a budgeting and money app you buy once for $199. It is the same money engine as the Vault inside Nexa, sold on its own.

What it does

A zero-based budget: give every dollar a job on payday, with envelopes for the irregular costs.
Savings goals, each with its own progress, and a debt payoff plan.
A subscription tracker (Drain Guard) that finds charges repeating every month and lets you Keep or Cut each one.
Receipt capture with the phone camera; receipts become expenses.
Profit and loss, balance sheet and cash flow, for anyone who also earns freelance or side income.
Works offline, with a Spanish interface.

What it doesn't

No investment tracking. If watching a brokerage or retirement portfolio is the job, SIMPL is the wrong tool.
Without Cloud Sync it lives on one device. Cloud Sync is optional at $4.99 a month (the first three months are included).
No hosted support desk: it is software you own and run yourself.

Who should stay on Mint

Nobody can stay: Mint has been gone since March 23, 2024. Former users either went to Credit Karma, which has no Mint-style budgets, or moved to another app. wallethub.com

Who SIMPL suits better

You liked Mint for its budgets and want them back without a monthly bill.

Moving from Mint to SIMPL

Getting your data out of Mint: Before the shutdown, users could download their Mint data. Credit Karma's release pointed to a U.S. Help Center article for instructions, but that page returned an error on 2026-10-19, so the old steps could not be checked. Mint data can no longer be exported. pcworld.com

What SIMPL can bring in:

Bank and card transactions: CSV, OFX, QFX. In SIMPL: Bank → Import CSV.
Mint history: The Mint transactions CSV. In SIMPL: Bank → Import from YNAB / Mint / CSV.
Any other spreadsheet of spending: CSV with a date, a description and an amount. In SIMPL: Bank → Import from YNAB / Mint / CSV.

Questions people ask before switching

Can I bring my Mint data into SIMPL?

Before the shutdown, users could download their Mint data. Credit Karma's release pointed to a U.S. Help Center article for instructions, but that page returned an error on 2026-10-19, so the old steps could not be checked. Mint data can no longer be exported. SIMPL imports the Mint transactions CSV, bank downloads (CSV, OFX or QFX) and any spreadsheet of spending with a date, a description and an amount.

Does SIMPL track investments like Mint?

No. SIMPL has no investment tracking: it covers budgets, goals, debt payoff, subscriptions, receipts and money reports. If you track a portfolio, keep a tool that does.

Do I need a subscription for SIMPL?

No. SIMPL is $199 once. Cloud Sync, which keeps it on more than one device, is optional at $4.99 a month, and the first three months come with the purchase. Without it SIMPL runs on one device and works offline.

Does SIMPL need my bank login?

No. You can bring in the files your bank lets you download (CSV, OFX or QFX). SIMPL can also connect to your bank directly if you choose to.

Is Mint cheaper than SIMPL?

Shut down on March 23, 2024 (announced October 31, 2023). Credit Karma, its official replacement, is free. SIMPL is $199 once.

$199 once. No subscription.

Get SIMPL: $199

Sources

Checked 2026-10-19. Prices change; the vendor's page is the final word.